healthcosts.net
Cardiac Stress Test at UnityPoint Health - St. Lukes Downtown
2720 Stone Park Blvd, Sioux City, IA · UnityPoint Health · · NPI 1962594622
$168.00
Cash price Discounted cash price What a hospital charges a self-pay patient who pays directly, without going through insurance — usually well below the gross charge. Example: A CT scan has a $3,200 gross charge but an $850 discounted cash price. Ask for it by name when scheduling — hospitals don't always advertise it up front.
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What you pay up front if you don't use insurance.
$210.00
Gross charge Gross charge (chargemaster price) The hospital's full, undiscounted list price — pulled from its internal "chargemaster" price list. Almost no one actually pays this. Example: A chest X-ray has a gross charge of $1,450. The same hospital's discounted cash price for the same X-ray is $180 — the gross charge mostly anchors negotiations, not what patients pay.
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The hospital's undiscounted list price — almost no one pays this.
$54.60 with Nebraska Total Care vs $202.39 with Aetna — same scan, same building. Share
Negotiated rates by payer
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Negotiated rate
The price a specific insurance plan agreed to pay the hospital for a service — it varies by insurer, and even by plan within the same insurer.
Example: The same knee MRI has a negotiated rate of $904 with one insurer's PPO plan and $1,509 with another's — identical hospital, identical scan.
Full explanation →
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Negotiated rate
The price a specific insurance plan agreed to pay the hospital for a service — it varies by insurer, and even by plan within the same insurer.
Example: The same knee MRI has a negotiated rate of $904 with one insurer's PPO plan and $1,509 with another's — identical hospital, identical scan.
Full explanation →Payer ?Payer The insurance company footing the bill — Aetna, UnitedHealthcare, Medicare, and so on. Example: "Blue Cross Blue Shield" is the payer. Its negotiated rate for an MRI might be $904, while a different payer's negotiated rate for the same scan is $1,509. Full explanation → |
Plan ?Plan The specific product an insurer sells — e.g. "Blue Cross PPO 500" — which sets your deductible, coinsurance and negotiated rates. Example: Two people both insured by Aetna can owe very different amounts for the same MRI: $50 with an HMO plan's flat copay, or the full $1,200 toward a high-deductible PPO plan's unmet deductible. Full explanation → |
Negotiated rate | vs. cash |
|---|---|---|---|
| Nebraska Total Care | Managed Medicaid | $54.60 | ↓ -68% |
| Aetna | Medicare Advantage | $66.20 | ↓ -61% |
| Molina | Medicare Advantage | $67.52 | ↓ -60% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $67.52 | ↓ -60% |
| Amerivantage | Medicare Advantage | $69.51 | ↓ -59% |
| Humana | Medicare Advantage | $69.51 | ↓ -59% |
| United Healthcare | Medicare Advantage | $69.51 | ↓ -59% |
| Avera Health Plan | Commercial | $99.30 | ↓ -41% |
| Wellmark Blue Cross and Blue Shield | HMO | $146.10 | ↓ -13% |
| Wellmark UPH Self-Funded | Commercial | $146.10 | ↓ -13% |
| Health Partners Open Network | Commercial | $158.27 | ↓ -6% |
| Aetna | HMO | $166.18 | ↓ -1% |
| Cigna/Midlands | Commercial | $171.89 | ↑ +2% |
| Wellmark Blue Cross and Blue Shield | PPO | $171.90 | ↑ +2% |
| United Healthcare | HMO | $190.57 | ↑ +13% |
| United Healthcare | PPO | $190.57 | ↑ +13% |
| Aetna | PPO | $202.39 | ↑ +20% |
| Medica Exchange Insure | Commercial | not published by hospital | — |
| Medica Exchange Inspire | Commercial | not published by hospital | — |
| Iowa Total Care | Managed Medicaid | not published by hospital | — |
| Amerigroup | Managed Medicaid | not published by hospital | — |
Visitor-reported prices
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Cardiac Stress Test at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $168.00 | $66.20 – $171.89 |
| UnityPoint Health - Allen Hospital | Waterloo | $168.00 | $66.20 – $171.89 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $186.60 | not published |
| MercyOne West Des Moines Medical Center | West Des Moines | $625.00 | $125.63 – $625.00 |
| MercyOne Des Moines Medical Center | Des Moines | $406.25 | $125.63 – $625.00 |
| MercyOne Centerville Medical Center | Centerville | $625.00 | $171.50 – $625.00 |
| MercyOne Genesis Davenport Medical Center | Davenport | $196.20 | not published |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $196.20 | $238.71 – $2,679.00 |